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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,521 | $156,398-91.4% | $147,318-90.8% | $138,895-90.3% |
| Participation rate | 55.6% | 83.8%-28.2pp | 82.1%-26.5pp | 79.9%-24.4pp |
| Annual return | 20.63% | 78.75%-58.1pp | 70.43%-49.8pp | 145.39%-124.8pp |
| Employer contribution / active EE | $1,285 | $4,853-73.5% | $4,593-72.0% | $4,194-69.4% |
| Participant deferral / active EE | $1,557 | $8,237-81.1% | $7,906-80.3% | $6,396-75.7% |
| Admin fee / account holder | $3,819 | $14,976-74.5% | $13,708-72.1% | $12,562-69.6% |